President’s Letter

Board of Directors Volunteer Position Available

It has been such a pleasure over the past few years to see Envision Credit Union give back to members more than ever before—especially during recent economic uncertainty. Our

products, ranging from VISA cards to auto loans, offer significant benefits and value to consumers in our area. It has also been a pleasure to partner with our surrounding school boards and strengthen ties with the education community through financial contributions. I’d like to keep it this way!

As a credit union, Envision has the opportunity to return earnings back to our members and give consumers a financial choice when it comes to banking needs. This is made possible through our tax-exempt status. However, as mentioned in the summer Success Newsletter, Congress is evaluating the need to reform the federal tax code and may consider eliminating the tax-exempt status for credit unions. This action could have damaging consequences to our organization and how we give back to members and education.

The goal of this special edition of Success has two parts: to identify exactly how much Envision has returned back to members so far in 2013 and to update you on our active participation with the national Don’t Tax My Credit Union initiative. As you read each page, it will become clear that our focus has been to enrich the experiences of our members through tangible value. Without our tax-exempt status, it would be extremely challenging to maintain our current rate of return.

First, I urge you to continue using (and enjoying) the rewards associated with your membership at Envision and spreading the good news to your friends and family. Second, consider participating in the Don’t Tax My Credit Union initiative by contacting your legislators in support of your Credit Union.

Thank you in advance for your advocacy and for your membership!

Sincerely,

Darryl G. Worrell President/CEO

In 2014, one position on the Board of Directors will be up for election. Board members are elected to five-year terms and are limited to two consecutive five-year terms. Interested members should submit a letter requesting consideration, along with their qualifications, by December 27, 2013 to:

Doris S. Payne, ChairNominating Committee

Envision Credit UnionPO Box 5198Tallahassee FL 32314

For additional information pertaining to the election of officers, contact Darryl Worrell, President/CEO, at the Credit Union Main Office, (850) 942-9000.

BOARD OF DIRECTORS

M. Christopher Bryant, Chair

Karen Samuel, 1st Vice Chair

Thomas B. Perrin, 2nd Vice Chair

Sam McCall, Ph.D.,

TreasurerJames M. Croteau, Ph.D.,

Secretary

SUPERVISORY COMMITTEE

David Helton, Chair

Dr. Robert Smith, Vice Chair

Dr. Barbara K. Wills, Secretary

For information on Financial Center Locations, Hours

and Services Visit envisioncu.com

or Call (850) 942-9000 or Toll Free

(800) 824-3894.

NMLS #506298

Giving Back is a Pleasure

2 Success | Winter 2013 | envisioncu.com

EnvisionCU @ EnvisionCUJoin the #CURally and help #CreditUnions keep tax exempt status! Protect your member benefits and tell Congress #DontTaxMyCU

www.DontTaxMyCreditUnion.org

FOLLOW #DontTaxMyCU on Twitter

Visit DontTaxMyCreditUnion.org to Contact Your U.S. Representatives

and Senators

(850) 942-9000 | Winter 2013 | Success 3

Home Loans

As a trusted community lender with deep roots and knowledgeable Home Loan Officers, Envision has been able

to provide tangible savings to members at the end of their home purchasing experience. Members saved over $134,000 in closing costs this year alone with nearly $50,000 of that amount going back directly to educators. Also, our members close on their home loans extremely fast! Loan closings typically occur between 10 to 20 days after the receipt of your appraisal and income.

If you’re shopping for a new home, we encourage you to stop by Envision first. Call our Home Loans team at (850) 942-9234 or email mortgage@envisioncu.com to get started.

Members Saved Over

On Closing Costs on Home Loans

EnvisionCU @ EnvisionCU Enjoy up to $1000 off closing cost with Envision.

FOLLOW: #DeepRoots #DontTaxMyCU

*Minimum loan amount of $125,000 required. Mention this offer at time of application. Envision Credit Union does not charge a fee for submitting an online application. Limit one coupon per household. Not to be combined with other offers. Not redeemable for cash. Closing Costs will be reduced by up to $1,000 on foreclosure or short sale purchases or by up to $500 on other purchases at closing and will appear on the settlement statement. Cannot be applied toward prepaid processing costs if the loan does not close. We reserve the right to limit loan programs to which this offer applies. Envision Credit Union reserves the right to change the terms or discontinue this offer at any time without notice. NMLS ID #506298.

Save Up To

On Closing Costs When Purchasing or Refinancing A Home.

Ashlea Hutchison Home Loan Officer

ahutchison@envisioncu.com Cell: (850) 509-4446

NMLS#: 710733

You Can Call Or Email One Of Our Envision Home Loan Officers At

942-9234 or mortgage@envisioncu.com To Answer Any Of Your Questions

Or To Ask For Advice.

4 Success | Winter 2013 | envisioncu.com

Auto Loans

Envision Credit Union has frequently referred to 2013 as the Year of the Car. For several economic factors, now is the ideal time

to purchase a new vehicle. We want to make sure that you don’t miss out on the incredible savings available when financing your auto loan with us. You can save as much as $605 within the first 12 months of your auto loan with rates as low as 1.99% APR. Think of the impact this savings can have on your family’s budget, especially around the holidays!

Score BIG savings this season on your auto loan. The application process is simple and can be done online at your convenience, in person or over the phone. Although the Year of the Car is coming to an end, your savings don’t have to!

Members Save As Much As

On Auto Loans inThe First 12 Months

EnvisionCU @ EnvisionCU Let your bank account thrive and save as much as $605 when you finance a vehicle with us!

FOLLOW: #EnvisionAuto #DontTaxMyCU

Apply Online at envisioncu.com

*Average member savings is based on a sample of refinanced auto loans between July 7, 2012 and April 1, 2013 using an estimated annual percentage rate and loan term from the prior auto loan based on information contained in the credit report. Amount represents interest savings within the first 12 months of the loan. Minimum Loan Amount is $10,000 and the model year must be no older than a 2008. Terms of up to 48 months at 1.99% Annual Percentage Rate are available to qualified applicants who meet normal credit worthiness criteria; have a minimum credit score of 720; have an open and current Envision VISA credit card and checking account. All rates and terms are based on credit analysis and loan to value of collateral as determined using Envision Credit Union’s collateral criteria. This is a Limited Time Offer. Not available on existing auto loans at Envision Credit Union and the Credit Union reserves the right to change the terms of or discontinue this offer at any time without notice.

(850) 942-9000 | Winter 2013 | Success 5

Some restrictions apply. See official rules at envisioncu.com/5-golden-weeks/

VISA Card Program

With each passing year, our VISA card program keeps getting stronger and stronger. In fact, Envision has yet again reached

record-breaking status in 2013. Our goal was to surpass the total amount of rewards giveback that took place in 2012 – which was over $500,000. In November of 2013, we are well on our way to return nearly $750,000 in rewards back to members in the tune of ScoreCard® Reward Points and CashBack®.

Our VISA card program not only offers fantastic rewards but also allows our members to support education on a daily basis with our Swipe for Schools initiative. With every swipe of an Envision VISA credit card, five cents will be donated to Leon County Schools, up to $10,000. Talk about supporting education!

Approaching

Visa Card RewardGivebacks in 2013

EnvisionCU @ EnvisionCU Just keep swiping, just keep swiping!

FOLLOW: #EnvisionVisa #SwipeForSchools #DontTaxMyCU

6 Success | Winter 2013 | envisioncu.com

Dedicated educators throughout the Big Bend region continue to devote endless hours serving students in our community.

Envision is very proud to report that we have been able to assist these educators by providing over $170,000 in direct financial contributions in 2013. Yes – over $170,000!

Sponsorship donations for individual school districts, educational community events and school athletic programs exceeded over $60,000 alone. In addition, we’ve increased our support for the Best & Brightest Awards by contributing $40,000 in scholarship funds each year. Lastly, 24 teachers around our community were awarded a $500 Classroom Grant to help fund initiatives within their classrooms – which totaled $12,000. With contributions in 2013, it is clear that we are committed to supporting education for years to come.

Supporting Education

In 2013, Over

in Direct Financial Contributions

EnvisionCU @ EnvisionCU Six $500 Winter Classroom Grants are now available! Deadline to apply is January 31st 2014.

FOLLOW: #SuccessForEducators #DontTaxMyCU

(850) 942-9000 | Winter 2013 | Success 7

P.O. Box 5198Tallahassee, FL 32314-5198envisioncu.com

PRSRT STDU.S. POSTAGE

PAIDValdosta, GA

Permit No. 151

If you are an Educator who is enthusiastic, tech savvy, and sociable, we’re looking for you! The rewards include your very

own MacBook and iPod Touch, plus a whole lot more!

Selection Process Dates for 2014 Envisioneer

• November 25 thru December 20 Submission of Envisioneer 2014 application online at www.successforeducators.com

• December 26 thru January 17 The top three finalists will be selected and assigned to create a video project based on a topic to be determined later by December 26.

• January 21 thru January 29 Once each video is posted on the Envisioneer blog, each finalist will begin campaigning for themselves and soliciting votes from fellow educators, friends and family. Voting takes place on www.successforeducators.com.

• February 5 – The finalist with the most votes will be selected as the Envisioneer2014forourorganization.

WANTED New 2014

ENVISIONEER! e e

e e e e